Hello:

Belongs to financial products: housing loans generate interest rate income, and finally complete real estate transactions to achieve the purpose of financing.

What industry does bank loan belong to?

Question 1: What industry does the company belong to? It is a non-financial industry that can manage money. At present, it belongs to the category of enterprises and is established according to the company law, but it is established according to the requirements of financial enterprises. Therefore, at present, his position is very embarrassing. He is a socialist with China characteristics, a well-marked planned economy with obvious characteristics. Private capital is very eager to get married, but after settling in, it is found that such a beautiful future is tortuous. This industry is a bit tortuous.

Question 2: What is the job of bank loan? The department settings of each bank are definitely not exactly the same, but some departments include corporate business department responsible for corporate business, personal business department responsible for personal business, international business department responsible for international loan underwriting, 9-day wire transfer, such as M, and fund operation department. The business risks of banks mainly include repayment risk, accounting settlement risk, new business testing risk, financial management risk and legal risk of business documents. Control of all these risks Six years ago, the risk control of Qiao Ba's business was poor. The compliance risk of the Compliance Department refers to the risk that the bank fails to comply with laws, regulations, regulatory requirements, rules and relevant standards formulated by self-regulatory organizations, and has suffered significant financial losses or reputation losses, which is the core of the Financial Planning Department and the Accounting and Settlement Department of the Rights Department. The theme is prevention. Basic management of accounting settlement, intermediary business, insurance and fund, such as H employees' awareness of prevention, professional quality, accounting quality and service skills. Strengthen management, supervision, inspection and guidance. 5. Pay employees to handle business in strict accordance with rules and regulations and operational procedures. The cashier's security department is responsible for cash management, security inspection, monitoring and management. Fire safety and other safety work. The Ministry of Science and Technology is mainly responsible for the maintenance of computer software and hardware in banks. The internal audit department is also responsible for reviewing the subpoenas of branches. The Human Resources Department supervises the Administration Department, the Party-masses Working Committee, the Computer Department (or the Information Technology Department), the Credit Review Department, the Risk Control Department, the Asset Insurance Department, the Legal Department, the Human Resources Department, the Personal Finance Department, the Planning and Finance Department, the Audit Department and the Supervision Department. Ministry of Security, Development and Research Department, International Business Department, Office (or Administration Department), Party Committee Office (including Youth League Committee), Business Department, Electronic Banking Department, Board Office, Agency Office, etc. Baidu knows which department of the bank is good 1, and the responsibility of the project financing and enterprise loan department is to expand the RMB loan and deposit business of various industrial enterprises. 2. The real estate loan department is responsible for developing various RMB real estate development loans, commercial mortgage loans, corporate mortgage loans, personal mortgage loans for foreigners, etc. 3. The International Business Department is responsible for the development and management of international trade settlement and trade financing. 4. The Credit Department is responsible for payment application and loan management. The responsibilities of the Cash and Remittance Department include saving and remittance. 6. Personal Finance and Wealth Management Department is responsible for the development and management of personal comprehensive financial management and credit card business. 7. The lobby manager/receptionist is responsible for the business consultation of customers, especially the business products of Ping An Bank. Choosing a good bank is more important than choosing a good department. It's your decision to choose which bank to submit your resume. After entering the bank, it is generally the leader who has the final say in choosing what department. A big bank like ICBC will encounter a series of systematic job rotation training in the first half of the year. There is a special training base and teachers who are eager to help people suffer from tons of problems. ......

Question 3: Which industries have limited loans? Two high industries and one surplus industry refer to resource-based industries with high pollution and high energy consumption. Surplus industries, that is, industries with overcapacity, refer to industries with total supply greater than total demand. Everyone who does credit knows.

Question 4: What is the specific work of the bank loan department? First of all, answer your question. If it is an reimbursement document, you only need to know what the business is like and what the process is like, and it is almost the same. As for what customers need to provide, how to audit and what to pay attention to, you will learn on the job;

At first, you will be an ordinary shop assistant, helping others. This is a study period. After a period of time, you will have the right to review enterprise information. However, I should remind you that sometimes you will be a little tired, because the bank will hold some competitions and goals regularly, so sometimes the pressure will be heavier, but it is always better to be a bank, so you can consider giving it a try.

The answer upstairs is partly correct. The loan department is mainly divided into two parts, one is the business department, the personal loan department, the company department, and the other is the loan approval department. But I don't know if the upstairs is from the bank now, because the business of the bank is not so good now and the competition is fierce. Although there is a national trend of tightening loans, lending has become the most eternal theme of the banking industry ~ ~

Question 5: What is a credit business? In the five-level classification method of bank loans in China, a kind of loan that cannot fully repay the principal and interest of the loan, even if it is guaranteed, will certainly cause great losses, which is called a kind of concern credit business.

Question 6: According to the classification of banking industry? What bank does the rural credit cooperative belong to? The answer on the third floor is really broken.

I just want to say that credit cooperatives are now managed by provinces all over the country. In other words, the credit cooperatives in each province are directly managed by the province.

Now credit rating agencies in many places have been upgraded to cooperative banks, and more are rural commercial banks.

In the future, credit cooperatives, like ABC, will be upgraded to rural commercial banks and then listed.

Question 7: What industry does auto finance belong to? The concept of auto finance is relatively broad, including individual/company auto loans, dealer investment, leasing, insurance, used car loans and so on. It may also include consumer loans for automobile products and accessories, co-branded credit cards and even mortgage loans and student loans related to automobile customers. The company itself can also issue financial bonds and go public for financing.

Generally speaking, it belongs to the financial industry. The company is a non-bank financial institution and is supervised by China Banking Regulatory Commission.

Question 8: What is the job of getting a loan from a bank? Some are called the Ministry of Finance. Some are called loan department, some are called loan department, and some are called loan department. Specific to the names, all account managers,

Question 9: Which industries are less risky for bank loans now? I am more assured that it is no longer a small risk issue in any industry. The economy continues to decline. Although there is no systematic risk, the risk has accumulated to the point of "stepping on the end". In the past, banks liked to be small and micro enterprises, because they had pricing power and high comprehensive income. But now it is more inclined to do some projects (including some PPP projects) supported and encouraged by national policies such as urbanization, water conservancy, shed reform and large-scale infrastructure. Although these projects have low returns, in the short and medium term, the risks are low and the returns are relatively stable.

Question 10: which enterprises are included in the financial scope? Financial scope refers to the types of institutional services provided by enterprises belonging to the financial industry.

First of all, financial institutions refer to financial intermediaries engaged in financial services and are part of the financial system. Financial services (banking, securities, insurance, trust, funds and other industries) correspond to this. Financial intermediaries also include banks, securities companies, insurance companies, trust and investment companies and fund management companies. At the same time, it also refers to lending institutions, which provide loans to companies with financial turnover to customers. The interest rate is relatively higher than that of banks, but it is more convenient for customers to borrow because they do not need complicated documents to prove it.

Secondly, according to different standards, financial institutions can be divided into different types:

1, divided into four categories according to status and function:

First, the central bank. The central bank in China is the People's Bank of China.

The second category is banks. Including policy banks, commercial banks and village banks.

The third category is non-bank financial institutions. It mainly includes state-owned and joint-stock insurance companies, urban credit cooperatives, securities companies (investment banks), finance companies and third-party wealth management companies.

The fourth category is foreign-funded, overseas Chinese-funded and Sino-foreign joint venture financial institutions established in China.

2. According to the operating conditions of financial institutions, they can be divided into financial supervision institutions and supervised financial enterprises. For example, the People's Bank of China, China Banking Regulatory Commission, China Insurance Regulatory Commission and China Securities Regulatory Commission are institutions that exercise financial supervision power on behalf of the state, and all other financial enterprises such as banks, securities companies and insurance companies must accept their supervision and management.

3. According to whether it can accept public deposits, it can be divided into deposit financial institutions and non-deposit financial institutions. The sources of funds for deposit-taking financial institutions are mainly loans from the public in the form of deposits, such as commercial banks, savings and loan associations, cooperative savings banks and credit cooperatives. Insurance companies, trust financial institutions, policy banks, securities companies, finance companies and other non-deposit financial institutions are not allowed to absorb public savings deposits.

4. According to whether it undertakes the national policy financing task, it can be divided into policy financial institutions and non-policy financial institutions. Policy-oriented financial institutions refer to institutions established by investment and engaged in financial activities according to their intentions and plans. Non-policy financial institutions do not undertake national policy financing tasks.

5, according to whether it belongs to the banking system, it can be divided into bank financial institutions and non-bank financial institutions; According to the national nature of capital contribution, it can be divided into domestic financial institutions, foreign financial institutions and joint venture financial institutions; It can also be divided into domestic financial institutions, foreign financial institutions and international financial institutions by country.

6. Classification of China. In 20 10, the People's Bank of China issued the Code of Financial Institutions (hereinafter referred to as the Code), which unified the classification standards of financial institutions in China from the macro level, defined the scope of financial institutions in China for the first time, defined the specific composition of various financial institutions, and standardized the statistical coding methods and methods of financial institutions.

Classification of financial institutions in code:

1. Monetary Authority: 1. China People's Bank; 2. State Administration of Foreign Exchange.

Two. Supervisory organ: 1. China Banking Regulatory Commission; 2. China Securities Regulatory Commission; 3. China Insurance Regulatory Commission.

Three. Bank deposit financial institution: 1. Bank; 2. Urban credit cooperatives (including cooperatives); 3. Rural credit cooperatives (including cooperatives); 4. Rural mutual funds cooperatives; 5. Financial companies.

Four. Banking non-deposit financial institutions: 1. Trust company; 2. Financial asset management companies; 3. Financial leasing companies; 4. Auto financing companies; 5. Loan companies; 6. Money brokerage company.

Verb (abbreviation of verb) Financial institutions in the securities industry: 1. Securities companies; 2. Securities investment fund management companies; 3. Futures companies; 4. Investment consulting company.

Intransitive verb Insurance financial institution: 1. Property insurance company; 2. Life insurance companies; 3. Reinsurance companies; 4. Insurance asset management companies; 5. Insurance brokerage company; 6. Insurance institutions; 7. Insurance loss assessment company; 8. Enterprise annuity.

7. Financial institution for transaction settlement: 1. Exchange; 2. Registration and settlement institutions.

Eight. Financial holding company: 1. Central financial holding company; 2. Other financial holding companies.

9. Emerging financial enterprises: 1. Company; 2. Third-party wealth management companies; 3. Integrated financial services companies. ...

Is the company a financial institution?

The company belongs to the financial industry. The Code of Financial Institutions in 2009 made it clear that the scope of financial institutions in China covers not only traditional financial institutions such as banks, insurance and securities, but also new financial institutions such as enterprise annuities, loan companies, rural mutual funds cooperatives and village banks. Prior to this, the company was a non-financial institution.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the risk review of microfinance

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Third, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

Is the loan company a financial institution?

The company belongs to the financial industry. The Code of Financial Institutions in 2009 stipulates that the scope of financial institutions in China covers not only traditional financial institutions such as banks, insurance and securities, but also new financial institutions such as enterprise annuities, loan companies, rural mutual funds cooperatives and village banks. Prior to this, the company was a non-financial institution. 1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending to banks, centralized money and monetary funds can meet the needs of society for expanding supplementary funds for reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Second, the risk review of microfinance The emergence of loan risks often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. (a) the content of the review is omitted, and the bank loan examiner is missing, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. (3) Many misjudgments are caused by banks not listening to experts' opinions on relevant contents or professional judgments made by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. However, in practice, most loan review processes are not very strict and in place. Three. The legal content of the pre-lending survey (1) examines the legal status of the borrower's legal establishment and continuous effective existence. If it is an enterprise, it should examine whether the borrower is established according to law, whether it has the qualifications and qualifications to engage in related business, and check the business license and qualification certificate, and pay attention to whether the relevant license has passed the annual inspection or related certification. (two) about the borrower's credit check whether the registered capital of the borrower is suitable for loans; Check whether there is obvious withdrawal of registered capital; Past loans and repayments; And whether the borrower's product quality, environmental protection and tax payment are qualified. Illegal circumstances that may affect repayment. (3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; (four) for the guarantee, the qualification, reputation and performance ability of the guarantor should be investigated.

What industry does the loan company belong to?

What industry does the company belong to?

It belongs to a non-financial industry that can manage money. At present, it belongs to an enterprise and is established in accordance with the company law, but the internal control mechanism and financial system are established in accordance with the requirements of financial enterprises. Therefore, at present, his position is very embarrassing. Personally, I think he belongs to a "socialist with China characteristics", with a clear-cut planned economy and obvious private capital, and he is very eager to get married. I wanted to get married before I got married, but I found that the future was so bright and the road was so tortuous. "

What kind of enterprise does the company belong to?

The nature of private and undisclosed small-scale financial management

What industry does the company belong to? What is the industry classification code?

The company belongs to the financial industry. According to the Classification and Code of National Economy Industry (GB/T 4754-2002), it should belong to "financial activities not listed in D", and the industry code is J7 19.

What industry does lending people belong to?

financial service industry

Is the company a financial enterprise?

Although the company has no financial license and is engaged in loan business, the relevant state departments have not managed it according to financial enterprises. Therefore, before the introduction of the new policy, commercial banks provide loans to companies, and the interest income of loans needs to pay business tax normally.

Financial enterprises:

Refers to enterprises that need to obtain a financial business license granted by the financial supervision department to conduct business, including policy banks, postal savings banks, state-owned commercial banks, joint-stock commercial banks, trust and investment companies, financial asset management companies, financial leasing companies and some financial companies that need to obtain a banking business license to practice; Securities companies, futures companies and fund management companies that need to obtain securities business licenses to practice; All kinds of insurance companies that need to obtain insurance business licenses.

What kind of company is it?

Hello, to put it simply: the small loan company is a non-bank financial institution, industrial and commercial registration code 7600! The store said that the limited liability company or joint stock limited company invested and established by the company for natural persons, corporate legal persons and other social organizations does not absorb public deposits.

What industry or field does the loan belong to?

Belonging to the financial industry

What institution is the credit loan company a subsidiary of?

Loan processing flow:

1. The lender needs to fill in a written application form and prepare relevant materials.

2. The bank shall review the application materials of the lender to verify whether the situation is true.

3. After approval, the lender signs a loan contract with the bank.

4. When the bank lends money, the borrower performs the repayment as agreed.

What do credit companies do?

Credit company:

Credit companies refer to non-bank financial institutions that provide loan services to individuals and individual industrial and commercial households with the approval of China Banking Regulatory Commission (hereinafter referred to as CBRC) in accordance with relevant laws and regulations.

Business profile:

1. Personal small mortgage loans are mainly pledged by certificates of deposit, which do not exceed 95% of the denomination of certificates of deposit.

Second, personal housing loans: personal commercial loans; Personal provident fund loans; Personal portfolio loan.

Third, personal automobile consumption loans.

Four, personal durable consumer goods loans

Verb (abbreviation of verb) personal consumption loan

Intransitive verb personal micro-loan

7. Car mortgage and car mortgage are increasingly welcomed by small business owners with short-term small loans.

Which industry does the loan to buy a house belong to?

Financial credit

Does credit belong to finance?

Credit belongs to the financial field. The basic conditions for banks to issue credit loans are:

1. If the credit rating of enterprise customers is above AA- (inclusive), credit loans can be issued with the approval of provincial branches of state-owned commercial banks;

2. The total profit of operating income accounting has increased continuously in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;

3. The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, or obtain the consent of the loan bank before mortgage (pledge) and provide guarantee for others;

4. The operation and management are standardized, and there are no bad credit records such as debt evasion and default on interest.

Extended data:

Credit principle

1. The principle of security refers to that banks try their best to establish and avoid the risks and losses of credit funds in the process of operating credit business.

2. Liquidity principle refers to the principle that commercial banks can recover loan funds within a predetermined period or quickly convert credit into cash without loss.

3. The principle of profitability refers to the rational use of funds, improve the efficiency of the use of credit funds, maximize profits, and strive to achieve the unity of the bank's own economic and social benefits.

Restrictive factors in applying for unsecured credit loans:

1. Personal work and income: Banks will be more inclined to groups with stable income when examining the qualifications of loan applicants. Therefore, if the borrower can provide a bank payroll for more than half a year, it will be more helpful for the smooth handling of credit loans.

2. Personal fixed assets: owning personal fixed assets such as real estate or cars shows that individuals have a certain economic foundation and repayment ability, and generally get a higher credit rating.

3. Personal credit record: Personal credit record is an important factor for banks to rate borrowers' credit. The bank will consider the borrower's loan record and credit card usage, including whether the loan is repaid in full and on time.